Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Van Insurance For Personal or Business Use

Van insurance is necessary for anyone who owns a van whether it is a minivan for personal use or a traditional van typically used for commercial purposes.

As with any type of insurance it is critical to understand the types of coverage needed, how to find the best coverage and why you need to shop around.

Get free insurance quotes by typing in your zip code now!

Any insurance company that deals in auto or commercial insurance coverage will be able to provide van insurance to meet your needs.

However, choosing the company you will use for your insurance is not something you should do without careful consideration. It takes some investigation and comparison to make sure you find the right coverage, the right company and the best price.

Whether you are a mom with a minivan, a small business occasionally using a family van for business or a bigger business with a fleet of vans for business use only, shopping around for insurance price quotes is important. To get the price quotes you need to start comparing the different companies you are considering for your van insurance, put an online quote tool to work for you now.

Van Insurance for MiniVans

Getting auto insurance for a minivan is just like getting car insurance for any other personal use vehicle. You will need to abide by the requirements of your state regarding minimum levels of coverage mandated by law. Each state has its own guidelines for mandatory coverage. Typically they are very low compared to suggested levels and should be regarded as such.

For minivan coverage, typical coverage includes the following:

  • Bodily injury and property damage liability
  • Medical payments / Personal injury protection
  • Uninsured/underinsured Motorist Coverage
  • Collision
  • Comprehensive
  • Rental Reimbursement
  • Towing and Labor

Auto insurance rates take a variety of things into consideration, such as your driving record, where you live, how many miles you put on your car annually, the type of vehicle you drive, your age, gender, marital status and more. You can earn further discounts on the premium you pay from things like being a member of certain groups, having safety features on your vehicle, insuring more than one vehicle on the same policy, and insuring your van and home with the same company.

If you do use it for business purposes on occasion, make sure that is noted on your policy. Get started finding the best van insurance now – enter your zip for free quotes!

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Van Insurance for Commercial Vans

While many of the coverage options are similar from personal to commercial vehicle insurance, there are some extra types of coverage that you will need if you are taking out commercial van insurance:

  • Single deductible endorsement is a great addition to a plan with multiple vehicles so that if a catastrophe occurs, you are not stuck paying a deductible for each vehicle.
  • Unlisted vehicle coverage will extend the protection of your commercial insurance policy to vehicles that your company does not own, such as when you rent a vehicle or if you or your employees use your personal vehicle for work purposes.
  • An individual named insured endorsement is great for when you, your spouse or other related members of your household drive rented, leased or borrowed vehicles for commercial purposes. It is specifically for sole proprietorships.

Shopping For Van Insurance

In the process of shopping around for van insurance, you will find that there is a considerable amount of difference in price from one insurer to another. Therefore a detailed comparison of quotes is necessary.

First make sure you are comparing the same types and length of coverage. Occasionally, a quote will be for 6 months instead of 1 year. This may explain why 1 quote is significantly cheaper than all the others.

Next, be sure to look into the financial stability of an insurer before taking out a policy. Companies that are in desperate financial straits may be eager to offer lower priced quotes in order to drum up business. You can find out about an insurer’s financial status by getting their rating from one of the independent insurance ratings companies which offer such information. They include: Moody’s, Standard & Poor’s and A.M. Best.

Finally, check out how an insurer you are considering going with deals with customers. By searching online for reviews and complaints about the company by name, you will learn what real customers are saying about it. In addition, you can contact your state department of insurance for more information. They keep records of complaints filed about insurers.

Shop for van insurance quickly and easily, by inputting your zip code and comparing van insurance today!